Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9312660
Complaint Overview
Complaint ID: 9312660
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 328XX
Date Received: 2024-06-20T12:00:00-05:00
Date Sent to Company: 2024-06-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have filed this dispute about hard inquiries with Equifax many times but Equifax didn't do anything about it. Equifax is asking me to contact the companies but it is not my duty. When the consumer disputes something like hard inquiries Equifax must investigate it and provide a permissible purpose or remove it ( if they can't investigate it properly ). My previous dispute with Equifax is as follows : Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( XXXX ) a firm offer of credit, ( XXXX ) insurance, ( XXXX ) an application for employment, or ( XXXX ) a court order. The following inquiries are not related to XXXX of the allowable purposes, as I have reiterated in The Fair Credit Reporting Act. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX - XXXX XXXX XX/XX/year> Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : XXXX ) Name and title of the person who pulled my credit. XXXX ) Date they purport that I gave permission. XXXX ) Method, they purport that I gave permission. Please include documentation of said permission. Thank you.
Frequently Asked Questions
What is Complaint #9312660 about?
Complaint #9312660 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-06-20T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.